California FHA Loans | C2 Financial Corporation

Who qualifies for FHA loans?

First-time home buyers. First-time buyers are traditionally seen as risky investments by mortgage lenders, but with the FHA backing you up, you have a chance to purchase your dream home. If you qualify, your down payment could be as low as 3.5% of the total price of the home.
Seniors looking for a reverse mortgage. If you are 62 or older and currently live in a home that you own outright or are close to owning outright, you may qualify for an FHA reverse mortgage. This allows you to convert some of your home equity back into cash to pay your other bills.
Home owners looking to make improvements. If you have plans to improve the energy efficiency of your home, you may qualify for an FHA Energy-Efficient Mortgage.

san jose fha loans

FHA Loans: Low Down Payments, Easy Qualifying

Looking for a way to save money on your San Jose home? San Jose may be an incredible place to live, but it can be a very expensive one too, and nowhere is that more obvious than in the housing market. If you’re searching for a competitive, low down payment, government-guaranteed program, this is it.

FHA Loan Rate Qualifier

What is an FHA loan? This is a special type of mortgage which is insured by the Federal Housing Administration, an agency that operates as part of the U.S. Department of Housing and Urban Development (HUD). FHA loans protect San Jose mortgage lenders dealing with customers who are deemed risky. That way lenders are more willing to work with those customers instead of leaving them out in the cold.

What are the benefits of a San Jose FHA loan?

Low down payments
Easy to qualify for, even without great credit (your score needs to be above 500).
Low closing costs

Who qualifies for San Jose FHA loans?

First-time home buyers. First-time buyers are traditionally seen as risky investments by San Jose lenders, but with the FHA backing you up, you have a chance to purchase your dream home. If you qualify, your down payment could be as low as 3.5% of the total price of the home.
Seniors looking for a reverse mortgage. If you are 62 or older and currently live in a home that you own outright or are close to owning outright, you may qualify for an FHA reverse mortgage. This allows you to convert some of your home equity back into cash to pay your other bills.
Home owners looking to make improvements. If you have plans to improve the energy efficiency of your home, you may qualify for an FHA Energy-Efficient Mortgage.

Shawn Sidhu works with the top FHA lenders in San Jose and across the county, and can help you to get started with an awesome FHA loan. While HUD loans like these can be very helpful, they can also be confusing. Let us review the FHA option for you and discover how you can qualify with less cash to close along with very competitive rates.

Ready to get started? You can contact us at (408) 599-3628, or email us at [email protected]. Reach out to us anytime with questions, or ask us for a free quote. We are here to help. We want your home purchase or renovations to go as smoothly as possible. Customer service is our top priority, and we enjoy building long-term relationships with our clients. We look forward to assisting you!

FHA Loan Rate Qualifier

C2 Financial Corporation - Shawn Sidhu

4.9

Based on 60 reviews

See all reviews Write a review

5.0

Based on 67 reviews

Anamitra Adhikari

03:35 29 May 19

Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.

Anamitra A.

20:36 28 May 19

Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...

John Christopher

04:00 24 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!

John C.

20:59 23 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...

Ken Fernandez

21:30 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)

Ken F.

14:41 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...

myda714

04:31 02 Mar 19

We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!

Myda W.

20:34 01 Mar 19

Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...

Elizabeth R Barajas

02:13 10 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.

Eva R.

18:51 08 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...

sophia reyes

01:27 03 Oct 18

I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.